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Family Security Student Visa Card

Family Security Student Visa Card

Credit Limits Starting at $300

Family Security Student Visa Card
  • Regular Purchase APR 8.9% to 16.5% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 8.9% to 16.5% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 8.9% to 16.5% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Fair , Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Build credit with financial responsibility
  • No balance transfer fees
Rates & Fees
  • Regular Purchase APR: 8.9% to 16.5% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 8.9% to 16.5% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 8.9% to 16.5% variable based on creditworthiness and the Prime Rate
  • Foreign Transaction Fee: 1% of the transaction in U.S. dollars
  • Late Payment Penalty Fee: $25
Credit Card Deals
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  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The London Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Barcelona Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Bangkok Pass - Offer Expires on December 31, 2020 - See Details
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At a Glance

The Family Security Student Visa Card is a student credit card for those new to credit. Offered through Family Security Credit Union in Alabama, the card features manageable credit limits, no annual fee, and no fees for balance transfers or cash advances.

Ideal for Those Who:

  • Are new to credit cards and want to learn financial responsibility
  • Want an easy to manage credit limit
  • Are under 18 but still need a credit card for occasional purchases
  • Don’t want to pay an annual fee

Family Security Student Visa Card Review

The Family Security Student Visa Card is a basic-yet-effective student credit card designed to help recent high school graduates build up their credit with regular, on-time payments.

Building credit isn’t easy – it requires patience, attention to detail, and good habits. Family Security Credit Union understands these issues and seeks to provide students with all the tools they need to succeed. The credit union sits down with all applicants and guides them through the credit process, advising them on the importance of responsible use.

Related Article: What Are the Best Secured Cards for Rebuilding Credit?

While lectures on the importance of responsible credit use are helpful, they aren’t going to instill the techniques required to build a positive credit score. These skills can only come with a combination of practice and the right tools – both of which the Student Visa Card offers.

The Family Security Student Visa Card comes with credit limits designed with those new to credit in mind. Credit limits start as low as $300, meaning they offer enough available funds to make purchases, but with a cap to help prevent wasting money on frivolous, big-ticket items.

The card features an excellent APR, though that shouldn’t be a factor for applicants, as carrying a balance is never recommended for those looking to establish credit for the first time. Building credit requires making on-time payments, but developing sound credit habits means paying your entire balance every month. This habit helps instill that you should only pay for with credit what you can afford to pay back.

The Family Security Student Visa, like some other credit union student cards (including the Space Coast Student Visa Card), lacks many of the fees that are typically associated with credit cards. The card lacks an annual fee or fees for balance transfers or cash advances. As the card is the first card, however, there likely will be little need for transferring balances anyways.

One nice final feature of the Family Security Student Visa Card is the availability of boosting credit for those under the age of 18. Most credit cards aren’t available to those under 18, but thanks to Family Security, students who haven’t come of age yet still have a chance to get the card – with the assistance of a co-signer, of course.

Should You Apply for the Family Security Student Visa Card?

Overall, the Family Security Student Visa Card is a great entry-level credit card for students who want to start their credit history off on the right foot. With practice, students will be able to upgrade to a higher credit limit, or even another card from Family Security Credit Union, such as the Platinum Visa Card.

Related Article: What Are the Easiest Credit Cards for Bad Credit to Get?

For more information on secured credit cards, visit our Comprehensive Secured Card Reference Page, featuring the best-secured card offers, detailed advice, and tips to help you build your credit history.